Erica Billé - Nest Mortgaging, Texas Brokerage

06/12/2026

Is NOW a good time to buy a home in Texas?

The honest answer is… it depends less on timing the market and more on understanding the market you’re actually in.

Here’s what buyers need to know right now:

📉 Rates We’re still seeing elevated interest rates compared to recent years, but buyers are also using tools like buydowns and seller concessions to bring monthly payments down.

🏡 Inventory (Central Texas) We’re in a very different market than 2020–2022. Inventory has increased significantly, giving buyers more options, less competition, and more room to negotiate.

📊 What does that mean for you? This is not a frenetic market. It’s a market strategy. The buyers who win right now are the ones who are informed, prepped, and working with the right guidance.

So is it a good time to buy? If you’re financially ready, it can actually be a powerful time to make a move with more leverage than we’ve seen in years.

If you want a clear breakdown of what YOU can afford in today’s market, send me a DM or comment “BUY” and I’ll run the numbers for your situation.

Erica Billé | Mortgage Broker | NMLS #2117651 Nest Mortgaging | NMLS #2377679

06/10/2026

06/10/2026

Most buyers think the hard part is finding the house. But there’s a whole process happening behind the scenes after you apply for a loan.

Here’s a quick look at what happens after your application is submitted:

🟢Your income, assets, and credit are reviewed.
⚪️Documents are collected and verified.
🟢The loan moves through processing and underwriting.
⚪️An appraisal is ordered on the home.
🟢Final conditions are cleared before closing

A good mortgage team helps guide you through each step so you’re not left wondering what’s happening next.

The goal is to help the process feel smooth, clear, and less overwhelming from start to finish.

Buying a home comes with a lot of moving pieces, but you don’t have to navigate it alone.

Save this post if you’re planning to buy this year, and send me a DM to see if you are ready to start the process.

Erica Billé | Mortgage Broker | NMLS #2117651 Nest Mortgaging | NMLS #2377679

06/08/2026

One of the biggest myths in homebuying?
“You need perfect credit to buy a house.” 👀

That belief is keeping many people from even having the conversation.

The truth is, a credit score is only one piece of the puzzle.

Lenders are also looking at:
✅ income
✅ debt-to-income ratio
✅ assets
✅ overall financial picture

And with newer scoring models like VantageScore now being used alongside traditional FICO models, we’re seeing some buyers qualify differently than they expected.

Translation? Someone with a lower score may still have options, while someone with a high score may still need to work on other factors.

So if you’ve been sitting on the sidelines assuming you can’t qualify, it may be time to find out what’s actually possible instead of guessing.

Comment "READY" or send me a DM, and let’s talk through your situation and explore your options.

Erica Billé | Mortgage Broker | NMLS #2117651 Nest Mortgaging | NMLS #2377679

06/04/2026

June is National Homeownership Month!

There’s something special about having a place to call your own.

Homeownership is about more than four walls and a roof. It’s about building stability, creating memories, investing in your future, and having a space that truly feels like yours.

For some, that journey starts with a first home. For others, it’s upgrading, downsizing, investing, or finding the perfect fit for a new chapter of life.

No matter where you are in the process, homeownership is still one of the most powerful ways many families build long-term wealth and put down roots in their community.

If owning a home is one of your goals, this month is a great reminder that you don’t have to figure it all out on your own.

Save this post if homeownership is on your vision board for 2026, and send me a DM if you’re ready to talk about your next steps.

Erica Billé | Mortgage Broker | NMLS #2117651 Nest Mortgaging | NMLS #2377679

06/02/2026

Most people start house shopping before they’re actually financially ready.

That’s exactly how buyers end up stressed, overwhelmed, and stretching beyond their comfort zone.

If you’re thinking about buying this summer, start with these 3 things first:

✔️ Know your budget before you shop
✔️ Stay focused on your long-term goals
✔️ Think beyond the purchase price

The smartest buyers aren’t just shopping for a home. They’re building a future.

Whether you’re buying your first home, refinancing, or investing, having the right strategy matters in this market.

Save this post for later
Share it with someone planning to buy this summer

If you’re ready to talk numbers and next steps, let’s connet.

Erica Billé | Mortgage Broker | NMLS #2117651 Nest Mortgaging | NMLS #2377679

05/29/2026

Mortgage Terminology you actually need to understand 👇

INTEREST RATE

This is the percentage your lender charges you to borrow money, and it’s what determines how much you’ll pay on top of your principal over time.

Think of it this way:
Your interest rate directly impacts your monthly payment and the total cost of your loan. Even a small difference in rate can mean thousands of dollars over the life of your mortgage.

Here’s why it matters:
It’s not just about the rate you see online; it’s about the rate you qualify for based on your full financial picture.

Understanding your interest rate helps you make smarter, more confident decisions when buying a home.

Follow for more simple mortgage tips.

Erica Billé | Mortgage Broker | NMLS #2117651 Nest Mortgaging | NMLS #2377679

05/27/2026

At Nest Mortgaging, we are here to take the stress out of home financing.

Our goal is to keep the process simple, clear, and easy from start to finish so you always know what’s happening, what’s next, and what it means for you.

No confusion. No guessing. Just straightforward guidance and real support through every step of your home loan journey.

Ready to get started? Send us a message and let’s make home financing feel simple.

05/25/2026

On Memorial Day, we pause to honor the brave men and women who gave everything in service to our country. 🇺🇸

Today is more than a long weekend or a break from routine; it’s a moment of reflection, gratitude, and remembrance for the heroes who made the ultimate sacrifice for our freedom.

At Nest Mortgaging, we’re especially grateful for the families and service members who continue to shape our communities and our country.

Freedom isn’t free, and today we remember why that matters.

Wishing everyone a safe Memorial Day.

05/21/2026

Dear Future Homeowner…

You don’t need 20% down to get started. Rates and loan options are more flexible than most people realize. And pre-approval isn’t just a step; it’s your buying power in writing.

At Nest Mortgaging, we guide you through every step so you’re never left guessing.

From first conversation to closing day, the goal is simple: get you home with confidence.

NEXT STEP: Let’s get you pre-approved and build your path home. www.NestMortgaging.com

Erica Billé | Mortgage Broker | NMLS #2117651 Nest Mortgaging | NMLS #2377679